Israel Discount Bank Limited Class A · TASE:DSCT
Israel Discount Bank Limited Class A — Investor Presentation (March 2025)
11 slides from Israel Discount Bank Limited Class A's investor presentation, March 2025
Slide 1: Strategic Plan for Leading the Future of Banking
D Strategic Plan for Leading the Future of Banking
Slide 2: Disclaimer
Disclaimer This presentation does not constitute an offer to purchase securities of the company, nor does it invite the submission of such offers. It is provided solely for informational purposes in the context of presenting explanations regarding the bank. This presentation has been prepared solely
Slide 3: Return on Equity, Efficiency Ratio, Net Profit 2014 vs 2024
Return on Equity Efficiency Ratio Net Profit 14.2% 4.3 77.9% 52.1% 7.2% 0.9 2014 2024 2014 2024 2014 2024 NIS, billions 3
Slide 4: Macroeconomic outlook: CPI, economic growth, interest rate
CPI Economic Growth Interest Rate Environment 2-3% per year 3-4% GDP Growth BOI at 3.5%-4.5% ▪ Over the coming years, economic growth is expected to outpace its long-term potential, gradually closing the output gap that has widened over the past two years. Thereafter, growth is projected to align wi
Slide 5: Bank Esteemed as Pioneer in Digital Banking
Bank Esteemed as Robust IT Leading in Campus fosters a Strategic Pioneer in Digital infrastructure Customer Culture of Disruption: Agile Banking Acquisition in engagement and Enough to Excellence Growing Segments collaboration Innovate, Robust Enough to Lead Change 5
Slide 6: The Bank of 2030
The Bank of 2030 Challenger Group Group Subsidiaries Growth and Disruptive Retail and Excel in Effectiveness SME Services for all Core Expertise Customers 6
Slide 7: Digital and Effectiveness transformation to improve efficiency ratio
The Bank of 2030 Challenger Group Focused subsidiaries Our Goal D i g i ta l a n d Effe c t i ve n e s s t ra n sfo r m at i o n to i m p ro ve eff i c i e n c y rat i o Excel in Operating The Digital Space Growing Market Share in Efficiency Designing the Digital SME’s Reduce Expenses Space as the P
Slide 8: Expanding Market Share in Retail & SME through Innovation
The Bank of 2030 Challenger Group Focused subsidiaries Our Goal Expanding Market Share in Retail & SME through Innovation for a broad Customer Base PayBox Greenlend Future Disruptive & A Flexible banking alternative A fully digital credit provider Innovative Ventures 8
Slide 9: Specialized and synergized subsidiaries
The Bank of 2030 Challenger Group Focused subsidiaries Our Goal S p e c i a l i ze d a n d sy n e rg i ze d s u b s i d i a r i e s IDBNY Sale of CAL Mercantile IDB Capital Growing the Specializing in growing Leveraging deep market Balance-sheet segments: Arab and expertise to maximize Leveraging ou
Slide 10: Operating Model Growth
Operating Growth Gen AI IT Strategy Culture Model The Foundation for Grow Retail Market Establishing Aligning IT Fostering a Culture of Strategic Share and Infrastructure & Infrastructure with Innovation and Transformation and Strengthening Governance for AI to Strategic Goals Excellence at Every Fu
Slide 11: 2030 targets: ROE, Efficiency Ratio, Net Profit, Dividend
ROE Efficiency Ratio Net Profit Dividend 14.2% 52.1% 13.5%* 5.2* 50% 46.9% 43.3%* 4.3 35%** 4.1 2024 2030F 2024 2030F 2024 2030F 2024 2030F ROE – Computed after adj. for surplus capital Adj. without CAL NIS, billions **Avg. dividend payment * Without CAL 11
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